Full-Time

Senior Product Manager

Array

Array

201-500 employees

Delivers embedded consumer credit data APIs

No salary listed

Company Does Not Provide H1B Sponsorship

Remote in USA + 1 more

More locations: Remote in Canada

Remote

Category
Product (1)
Required Skills
Product Management
SQL
Data Analysis
Requirements
  • 6+ years of experience in a technically focused product management role; experience building products that shipped to market.
  • Strong technical background: Computer Science or software engineering experience would be great; must have experience writing in SQL and synthesizing data on your own.
  • Experience managing a consumer-facing app or product, with a focus on front-end conversion rate optimization.
  • Proven ability to grow key user metrics (e.g., users, monthly active users) through specific initiatives related to onboarding or user flow.
  • Expertise in managing product experiences for D2C or B2B2C models, with a focus on improving user-facing interactions.
  • Familiarity with identifying and addressing barriers to conversion and making data-driven decisions to boost performance.
  • Ability to understand and navigate B2B2C complexities, balancing the needs of both business partners and end users.
  • Strong understanding of consumer company metrics such as CAC, conversion rate, and ROI, with experience avoiding excessive reliance on paid ad spend.
  • A belief that AI is reshaping work, you instinctively use it to accelerate everything you do.
Responsibilities
  • Own and optimize the front-end experience of the product, with a focus on increasing conversion rates and user engagement.
  • Drive improvements in user onboarding and application flows, ensuring the best possible experience for customers.
  • Analyze user feedback and data to make informed decisions that enhance product performance and drive higher conversion.
  • Collaborate with cross-functional teams to ensure alignment between business needs, user expectations, and product goals.
  • Develop and implement initiatives to improve customer acquisition and retention, focusing on organic growth and return on spend.
  • Build a cohesive strategy to optimize the B2B2C product journey, maximizing the effectiveness of both business and consumer touchpoints.
  • Partner with other Product Managers and engineering teams to develop a compelling vision, strategy, and roadmap.
  • Work with product and engineering to clarify, triage, and prioritize bugs.
  • Assess risk and come up with well thought out solutions to eliminate any roadblocks for the team in accomplishing tasks on the product roadmap.
  • Maintain a habit of using AI tools to think, build, and ship faster—it's your default, not an afterthought.

Array provides data integration services for consumer credit, identity, and background data within fintech. It offers embedded tools, white-label solutions, and SDKs that can be customized in real time through a headless CMS, enabling clients to integrate Array’s services quickly—reducing an 18-month build to about 24 hours. The Quick Start API, comprehensive guides, endpoints, and support facilitate seamless integration. Revenue comes from subscription-based data integration with an aggregator pricing model that avoids large data commitments and vendor lock-in. Data is tokenized to remove PCI compliance burdens while maintaining security and regulatory compliance under rules like the Fair Credit Reporting Act. Overall, Array aims to help businesses deepen user engagement by providing secure, personalized credit and financial data through easy, fast, and compliant integrations.

Company Size

201-500

Company Stage

Early VC

Total Funding

$123M

Headquarters

New York City, New York

Founded

2020

Simplify Jobs

Simplify's Take

What believers are saying

  • Acquired Penny Finance, Chimney, EarnUp to expand financial tools.
  • Access Softek partnership launched Access LifeHub on October 27, 2025.
  • Scale Asia Ventures invested supporting FICO partnerships in 2026.

What critics are saying

  • Six acquisitions since 2022 bloat product complexity, delaying releases.
  • Stripe and Plaid undercut pricing with broader embedded finance platforms.
  • JPMorgan Chase builds in-house stacks, eliminating Array customers.

What makes Array unique

  • Array tokenizes data to eliminate PCI compliance for clients.
  • Headless CMS customizes integrations in 24 hours versus 18 months.
  • Quick Start API simplifies credit and identity data embedding.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Unlimited Paid Time Off

401(k) Company Match

Parental Leave

Home Office Stipend

Phone/Internet Stipend

Hybrid Work Options

Growth & Insights and Company News

Headcount

6 month growth

-2%

1 year growth

-1%

2 year growth

-1%
Finovate
Mar 17th, 2026
Embedded finance platform Array acquires Penny Finance, Chimney, EarnUp.

Embedded finance platform Array acquires Penny Finance, Chimney, EarnUp. Embedded finance platform Array has been on a truly remarkable acquisition pace in recent weeks. The company, which won Best of Show in its Finovate debut at FinovateFall 2021 and again in its return to the Finovate stage for FinovateSpring 2022, acquired fellow Finovate alum - and fellow Best of Show winner - Penny Finance in late February. This move came just a few days after Array announced its acquisition of another Finovate alum and Best of Show winner, Chimney. And just to show that Array's appetites are not limited to Best of Show-winning Finovate alums, the company also announced its acquisition of paytech EarnUp less than a month ago. What do these acquisitions mean for Array? Overall, these deals represent the company's strategy to provide its financial institution partners with modular, embeddable tools and data that enable them to boost engagement, improve retention, and secure measurable value. Designed to complement the solutions currently offered by fintechs, financial institutions, and digital brands, Array's embedded, invisible-by-design approach allows consumers to enjoy a wider range of financial solutions and services while still relying on the brands they know and trust. Consider Penny Finance. Penny Finance is an online financial planning engine that enables credit unions and community banks to provide personalized education, resources, and services to their members and customers. Headquartered in Boston, Massachusetts, and founded in 2020 by CEO Crissi Cole, Penny Finance helps individuals and families pay off debt, begin investing, and build wealth - all within a unified, integrated solution. Array Founder and CEO Martin Toha said that acquiring Penny Finance will enable Array to serve consumers the same way that they experience financial challenges and responsibilities: "as part of a single, ongoing journey." "Penny Finance strengthens our ability to support that full picture," Toha said, "enabling our partners to deliver more holistic, consumer-first financial experiences directly within the products people already use." The acquisition will empower Array to help its clients address a broader range of consumer needs and complements the company's current credit, identity, and privacy offerings with solutions to help consumers enhance their financial wellness through better savings behavior and financial planning. "Penny was built to give people confidence in how they spend, save, and plan - without judgment or complexity," Penny Finance's Cole said. "By joining Array, we can scale that mission and integrate financial education and planning tools into trusted experiences that already play a meaningful role in people's financial lives." Array's acquisition of Chimney will add the fintech's modern financial calculators and home value tracking tools to its platform offerings. Founded in 2020 and based in Brooklyn, New York, Chimney helps more than 160 financial institutions in the US leverage real-time property data and predictive analytics to engage homeowners and grow loans. Chimney's technology identifies high-propensity opportunities for home equity, refinancing, new mortgages, and more, enabling financial institutions to target the right customers and members at the right time with personalized offers delivered inside their banking apps and platforms. In his statement, Chimney CEO and Co-Founder Matthew Covi underscored this last point, highlighting the value of embedded finance in helping consumers get the resources they need while remaining engaged with the brands they trust. "Traditional financial institutions are where the majority of Americans manage their finances," Covi said. "By empowering these institutions with personalized, data-driven solutions that modernize the banking experience, we've realized our mission of helping millions of Americans live healthier financial lives." Lastly, EarnUp is a payments technology firm that helps consumers better manage debt and bills by aligning mortgage, loan, and bill payments with pay cycles. By enabling them to disaggregate large, inflexible monthly payments into smaller contributions aligned with their paychecks, EarnUp helps lower the amount of missed payments to creditors and financial stress for debtors. Headquartered in San Francisco, California, and founded in 2015, EarnUp has completed 50 million transactions with a cumulative value of $43 billion since inception. Brad Woodcox is CEO. "EarnUp is a long-standing proven product in the home loan space, having supported millions of US mortgage borrowers through deep integrations with leading mortgage servicing platforms," Toha said. "We hope to use this distribution and product to extend Array's reach into the home loan payments space. This acquisition strengthens our ability to help financial services providers deliver more practical, consumer-centric experiences - especially for households managing tight margins and multiple debt obligations." Founded in 2020 and headquartered in New York City, Array most recently demoed its technology at FinovateSpring 2023. At the conference, the company demonstrated two of its latest financial solutions - HelloPrivacy (now Privacy Protect) and Subscription Manager - to help banks and other financial institutions generate noninterest income and boost engagement while providing customers with resources to help them stay safe online and save money. Privacy Protect helps defend users from identity theft and privacy risks by monitoring and removing personal information from the web. Subscription Manager helps users manage their subscriptions better, canceling unused subscriptions and negotiating lower rates on select subscriptions. FinovateSpring 2026 will take place at The Sheraton San Diego on May 5-7. Register today using this link and save 20%.

GlobeNewswire
Feb 25th, 2026
Array acquires EarnUp to expand paycheck-aligned payment solutions for mortgages and debt

Array, an embeddable financial platform, has acquired EarnUp, a payments technology company that helps consumers align debt and bill payments with their pay cycles. Financial terms were not disclosed. Founded in 2013, EarnUp enables consumers to break large monthly payments—such as mortgages, student loans and auto loans—into smaller, paycheck-aligned contributions. The platform has helped consumers manage billions of dollars in payments through integrations with leading mortgage servicing platforms. The acquisition expands Array's portfolio of embedded financial tools, particularly in the home loan payments space. EarnUp's technology supports payments across debt, utilities and insurance, and will be integrated across Array's platform to offer more flexible payment experiences for fintechs and financial institutions. Array was founded in 2020 and is backed by Battery Ventures, General Catalyst and Nyca Partners.

GlobeNewswire
Feb 23rd, 2026
Array acquires Penny Finance to add financial education and money management tools

Array, an embeddable financial platform, has acquired Penny Finance, a fintech focused on financial education and money management tools. Financial terms were not disclosed. Penny Finance provides interactive tools helping consumers understand spending, build savings and plan for future goals through accessible education and behavioural insights. The acquisition expands Array's capabilities beyond its existing financial, credit, identity and privacy offerings to include spending awareness, savings behaviour and financial planning. Founded in 2020 by Martin Toha, Array serves major fintechs, financial institutions and digital brands. The company is backed by Battery Ventures, General Catalyst and Nyca Partners. Array will integrate Penny's tools into its modular platform, enabling partners to deliver more comprehensive financial experiences within their existing products.

GlobeNewswire
Feb 10th, 2026
Array acquires Chimney to expand digital financial tools for institutions

Array has acquired Chimney, a New York-based fintech specialising in financial calculators and home value tracking tools, to expand its embeddable platform offerings for financial institutions and fintechs. Financial terms of the deal were not disclosed. Founded in 2021, Chimney serves over 150 financial institutions with data-driven engagement tools that have helped generate hundreds of millions of dollars in loan volume. The company has won multiple Finovate Best of Show awards and is backed by Fin Capital and Converge VC. The acquisition will enable Array to deliver enhanced consumer-facing financial decision tools through its platform. Array CEO Martin Toha said the integration will help clients drive deeper consumer engagement at critical decision moments whilst delivering measurable business outcomes.

FinTech Magazine
Oct 27th, 2025
Access Softek Partners with Array to Deliver Embedded Credit, Identity, Privacy Tools and More in Digital Banking

Access Softek partners with Array to deliver embedded credit, identity, privacy tools and more in digital banking. NEW YORK, Oct. 27, 2025 (GLOBE NEWSWIRE) - Access Softek, Inc., a pioneer in digital banking technology, today announced a strategic partnership with Array, a leading provider of embeddable fintech products. Through this integration, Access Softek introduces Access LifeHub, a new suite of digital services that empower consumers to manage their credit, identity, privacy and more directly within their mobile and online banking experience. Access LifeHub integrates seamlessly into Access Softek's digital banking platform, allowing financial institutions to activate consumer-facing tools quickly and with minimal lift. The suite includes a robust free tier and optional premium upgrades, giving users flexible access to powerful tools while enabling new subscription-based revenue opportunities for banks and credit unions. "This partnership brings next-generation financial empowerment to digital banking," said Chris Doner, CEO of Access Softek. "Consumers expect more than just transactions - they expect insights, tools, and protection that help them take control of their financial lives. Partnering with Array allows us to deliver exactly that, seamlessly inside the digital experience." * Credit Monitoring - Real-time access to credit scores and reports. * Identity Protection - Alerts for potential breaches and suspicious activity. * Privacy Management - Tools to safeguard personal information online. * Subscription Management - A place to track, manage, and cancel recurring payments. * BuildCredit Account - A no-interest, credit-building savings tool that reports to all three credit bureaus. * BuildCredit Rent - Rent payment reporting to help build credit history. * Student Loan Aid - A service that helps borrowers optimize federal student loan repayment. These premium features help financial institutions deepen engagement, improve loyalty, and generate new non-interest income - while giving consumers a unified way to strengthen their financial health and digital safety. By embedding Access LifeHub, Access Softek expands its portfolio of innovative digital banking services that help community banks and credit unions stay competitive with secure, data-driven, and revenue-generating solutions. To learn more about Access Softek, visit www.accesssoftek.com. To learn more about Array, visit www.array.com. Array Media Contact Amelia Chen [email protected]